Applying for a Walmart credit card online saves you time and effort. You don’t need to visit a store or fill out paperwork.
This article will show you how to apply online step by step. It also explains the key benefits, tips, and what to expect before you start.
What You Need to Know About the Credit Card?
The credit card helps frequent shoppers earn rewards. It’s issued through a financial partner. There are two versions—one for in-store use and one accepted anywhere.
You can apply online and get a fast decision. Rewards are added as Reward Dollars for qualifying purchases. Some restrictions and conditions apply.
Types of Credit Cards Available
There are two main card types you can choose from. Each one works differently based on where you plan to use it.
Walmart Rewards Mastercard
This version is a Mastercard that you can use anywhere Mastercard is accepted. It earns rewards both in-store and at other merchants.
The card works for online and offline purchases. It comes with bonus offers and extra protections.
You can also use it for travel, dining, or fuel. Reward Dollars apply to eligible purchases only.
Walmart Store Credit Card
This option is only accepted at company stores and on the website. It can’t be used outside those platforms. You still earn Reward Dollars on eligible items.
This version is limited but easy to manage for store-only spending. It’s a good pick for local shoppers. You’ll need a decent credit score to qualify.
Key Difference Between the Two Cards
The main difference is where you can use them. One works everywhere Mastercard is accepted. The other is only for company purchases.
Rewards are similar, but usage is more limited for the store-only card. If you want flexibility, choose the general-use card. If not, the in-store one is enough.
Main Benefits You Can Get
You get several benefits when using these cards. Here are the most valuable features to keep in mind.
5% Back on House Brands
When buying items from select in-house brands, you earn 5% in Reward Dollars. These include George, Great Value, Your Fresh Market, and others.
The rewards add up on eligible items. Always check which brands qualify before buying.
2% Back on Everyday Transport
You also earn 2% in Reward Dollars on gas, taxis, transit, and ride-share. This applies whether you’re filling up your car or using public transport.
You must use the Mastercard version to get this benefit. It’s automatically added after your payment clears.
$45 Signup Bonus
You can get up to $45 in Reward Dollars when you sign up. You get $20 after spending $50 using a temporary pass.
You receive $15 after one store and one non-store purchase. The last $10 comes from enrolling in paperless billing.
Installment Payment Option
You can split your purchase into 6 equal payments. This works for purchases over $199.99 made online or in-store. A setup fee of 4% applies to the first payment. The feature is not available in all regions.
Zero Liability on Fraud
If someone uses your card without permission, you’re not responsible. This applies to charges made online, by phone, or in person.
The protection covers all versions of the card. You should report any fraud quickly to stay protected.
Extra Coverage Options
There are added protections like Balance Protection, Extended Warranty, and Purchase Assurance.
These help cover illness, lost items, or repairs. Some require small monthly fees. Coverage applies only under specific terms and conditions.
Interest Rates And Terms
The card comes with fixed rates and a few extra charges. Knowing them helps you avoid surprise fees.
Preferred Rate
The preferred purchase rate is 21.89%. This applies to most standard purchases made with the card.
It’s a fixed rate unless the bank changes its policy. Keep track of your statements to avoid unexpected interest.
Cash Advance Rate
The cash advance rate is 22.97%, which applies when you withdraw cash. This is higher than the regular purchase rate.
Interest starts from the day you take the cash. Use this only when necessary.
Interest-Free Grace Period
You get a 21-day grace period before interest applies to new purchases. You must pay your full balance within this period. If not, interest charges begin. Always check the payment due date.
Monthly Set-Up Fee (4%) Applies for Installment Plans
There’s a 4% set-up fee if you split purchases into payments. This is charged only once, on the first payment. It applies to purchases over $199.99. This option isn’t available everywhere.
How To Apply Online?
You can apply for the card using a secure online process. It only takes a few steps.
Go to the Credit Card Website
Visit the financial partner’s official website or the credit card page. Make sure you’re on the correct and secure site.
Read the details before starting. Have your personal info ready.
Click “Apply Now”
Find and click the “Apply Now” button to begin. This takes you to the application form. Read each section carefully. Continue only if you agree to the terms.
Fill In Your Personal and Financial Info
Provide your name, contact, income, and housing details. You might be asked about your employment status.
Be accurate to avoid delays. Double-check everything before continuing.
Submit and Wait for Instant Decision
Click submit to finish your application. Most users get an instant result. If not, you’ll receive updates by email or mail. Keep your phone and email active for follow-up.
Tips Before You Apply
Before applying, go through these quick checks:
- Check your credit score to see if you qualify
- Keep your income details ready for fast entry
- Make sure your contact info is accurate to avoid approval issues
- Decide if you prefer Mastercard or Store card based on your needs
- Read terms and reward conditions to avoid surprises later
Limitations And Disclaimers
Every card has a few limits you should know. Read these before applying.
- Approval depends on your credit history
- Bonus offers may change without notice
- Installment plans are not available in all regions
- Some features require enrollment or extra fees
Customer Service And Support
You can call 1-877-860-1250 for help or visit the address at 702 S.W. 8th St., Bentonville, AR 72716. For Canada or US support, dial 1-888-331-6133.
For TTY users, use 1-877-763-0997. To report a lost or stolen card, call 1-888-925-6218 right away.
Summary: Quick Takeaway On How To Apply
The Walmart credit card can be applied for online in just a few steps. Make sure you understand the types, terms, and reward options.
Go through the tips before starting your application. Use it wisely to avoid high interest and fees.
Disclaimer: Terms and benefits may change without notice. Always check the official site for the most current details.